MAD ABOUT LABRADOR RETRIEVERS

Hello all…

Just a quick note to say that we’ll be away for 2 weeks from Monday… Yes Douglas is finally taking me away for a much needed break…

Unfortunately we can’t take the kids with us and we know we’ll probably miss them more than they do us… cause Granny will be in to look after them, so they should be fine…

Check back n a couple of weeks for updates on Mauritius!!!

This post is somewhat delayed but never really found the time to do this…

Anyway since Ferrari took the first 2 places on the podium today in Bahrain, I thought I had better post this…

Douglas managed to get us grand stand tickets to the Malaysian Grand Prix last month! I had a brilliant time as my fav team and driver won the race - i.e. Ferrari and Kimi!

The two Ferraris in the lead…

The packed grand stand…

Kimi winning the race!

This was the nasty car park - thank goodness for our Land Rover cause there was a massive jam when the race was over - but we managed to get out without using the normal trail! We basically bull dozed our way out of the area much to the annoyance of all the other people who would probably have been stuck in the mud…

Yet another basketball totally DESTROYED!!!

Yes, we are trying to buy a new house after selling the previous one… This ons is our DREAM HOUSE!!! It’s a corner house and it’s HUGE and well renovated… We really like it and are trying our best to purchase it…

You would have thought purchasing a property would be easier the second time round… well it ain’t!

Esp when you’re not sitting in wads of cash, and you’re desperate for the banks to give you an offer letter asap so that you can put an Earnest Deposit down on the house…

For those who have never purchased a property before, here are somethings that you will need to think about before being able to:

1. Do you have the 10% deposit in cash?
2. If not, do you have the 10% in EPF or somewhere else?
3. If you do, is your income sufficient to get the remaining 90% from a bank?
4. If yes, have you got all the required paperwork to ensure that the banks will give you the 90%?
5. If not, how will you make up the difference between the amount that the bank is willing to offer and the balance of the purchase price?
6. Oh wait, will the bank even value the property at the purchase price that you’ve agreed to?
7. If not, see question 5.
8. Oh but you need to put at least 2% down in Earnest Deposit to secure the property or you may lose it while waiting for the banks to process your application…
9. But then if your application falls through, you’ll lose that 2%!!! (Note that 2% can be quite significant depending on the value of the property!)
10. If the loan is approved, have you got sufficient amounts to pay all the legal fees involved in this purchase? Note that there will be 2 sets of fees: Legal fees for the Loan documents and Legal Fees for the Sales & Purchase Agreement. Note that this can easily come up to RM20k for a RM350k property…

So for those of you who are thinking of purchasing a property, your answers to these 10 questions will give you a pretty good indication on whether or not you can manage to purchase that elusive piece of real estate!

Hello…

Not sure how many of you remember Belle… Belle is our beagle - well she lives with Auntie Marie and we used to visit very often. Cleo and Belle were fast friends when they were younger… but it has been awhile since we’ve taken Cleo to see Belle… mainly cause our schedules have been chaotic…

Anyway we went to see Belle last weekend and here are some pictures…